Home Equity Loans

Home Equity Loans

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HOME EQUITY SPECIAL

Introductory Rate:

4.99% APR for 6-Months*

ZERO CLOSING COSTS

It's time to stop thinking and start doing. Tap into your home's equity to fund your next big move—debt consolidation, a dream kitchen, or anything in between.

Ready to Get Started?

 

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Home Equity Line of Credit

Tap into your home's equity and keep your emergency funds intact with a Home Equity Line of Credit. Here’s why it’s beneficial:

  • Flexible Access: Withdraw funds as needed without reapplying.

  • Lower Rates: Enjoy competitive variable rates that are lower than credit cards.

  • Interest Savings: Pay interest only on the amount you use.

  • Easy Access: Conveniently access your funds via check, ATM, or online transfer.

  • Local Processing: Benefit from local decision-making and processing in Pennsylvania.

  • Exceptional Service: Experience friendly and supportive service from start to finish.

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FCCB YourChoice Home Equity Line of Credit

With the FCCB YourChoice Home Equity Line of Credit, you enjoy the flexibility to borrow as you need, when you need. Here's why it's the smart choice:

Flexibility:

  • Utilize funds for home improvements, debt consolidation, education, travel, or other personal expenses.
  • Borrow only what you need, when you need it, with the ability to draw from your line of credit at any time.
  • Increase your available credit as you pay down the balance, providing ongoing financial flexibility.

Competitive Rates:

  • Benefit from a low variable rate that can adapt to market conditions.
  • Convert any balance to a fixed-rate loan, providing stability and predictability in your payments.
  • Enjoy lower overall borrowing costs compared to credit cards and many personal loans.

Convenience:

  • Access funds easily via check, ATM, or online transfer to your FCCB checking account.
  • Lock in up to 3 fixed-rate options simultaneously.
  • Manage your finances with a single consolidated monthly payment.

Explore how the FCCB YourChoice Home Equity Line of Credit can enhance your financial flexibility today!

NMLS ID: 401353

Please consult with your financial advisor regarding the tax deductibility of a home equity loan.

*APR (Annual Percentage Rate) in effect as of 8/19/2025 and is subject to change without notice. 4.99% APR is fixed for the first six (6) months after the loan origination. Offer based on an 80% maximum loan-to-value ratio, first or second lien position, and a minimum 700 FICO® score. Other rates and terms are available. Rate special must be applicable at the time of close, not at the time of application. Advertised rates revert to the Home Equity Line of Credit (HELOC)variable rate after the six-month introductory rate reverts, repricing to the standard credit score tier rate is based on credit, CLTV, and term. Offer may be changed or withdrawn at any time. Contact bank for details. Introductory Rate Special may be applied to the standard FCCB Home Equity Line of Credit or the Your Choice Home Equity Line of Credit. Introductory rate special is not applicable on existing loans, new originations only.The Your Choice Home Equity line of credit is an open-ended, variable rate product with the ability to lock a portion of the balance into a fixed rate Home Equity Loan. The loan operates just as our standard home equity line of credit unless locked into a term option, please refer to the FCCB Home Equity Line of Credit disclaimer for full details. Once locked, the rate is fixed for the entire agreed upon term of the locked-in portion of the loan. The APR that applies to the locked-in balance shall reflect the margin established at the time loan origination plus the prime rate at the time of the conversion.
Lock Number and Fees: The maximum number of locks during a draw period of the Home Equity Your Choice Line of Credit is three (3), with a separate fee of $75 per lock. The customer must provide a written request to lock in a term and rate, for the bank to confirm and track the lock. Other terms and conditions may apply. The intro rate special will be for balances converted to a fixed rate using the “Lock-In Option” during the rate introductory term, being the first six (6) months after loan origination.
No closing costs: Closing costs waived, unless title insurance is needed. Closing costs could range from $0.00 to $1,600.00, based on a $100,000 loan, paying title insurance only, if required. If the loan is paid off within three years of the closing date, there is a recapture fee for all closing costs paid by FCCB on your behalf. The recapture fee may include other recapture costs from outside vendors.
Consult a tax advisor regarding deductibility of interest and charges. Loan subject to credit approval. Not all borrowers will qualify for the lowest rate. Other rates and terms available. Rates are subject to change anytime without notice. Visit or call First Citizens Community Bank (FCCB) for full details. Equal Housing Lender. Member FDIC. NMLS# 401353